From Rising Costs to Safer Crews and $78K in Savings

How One Construction Firm Took Back Control

When your X-Mod climbs, it’s not just a number. It’s a signal — to carriers, to clients, and to your leadership team — that risk is rising and costs are about to explode.

That’s exactly what happened to one mid-sized construction firm. A string of injuries pushed their X-Mod to 1.35. Their broker warned them: they lost preferred carrier status and would see a six-figure increase in Workers’ Comp premiums.

Leadership was drained. Crews were frustrated. Safety was inconsistent. And insurance renewal season was suddenly a fire they couldn’t put out.

They needed a solution — that got them results

The Turning Point – Partnering with EG

The firm turned to Employer’s Guardian and implemented EGSafety — a hands-on safety and workers' comp program designed for high-risk industries like theirs.

Within weeks, the tide began to turn:

• EG conducted a full safety audit to pinpoint root causes
• A customized Injury and Illness Prevention Program (IIPP) was launched
• Supervisors were trained to run consistent safety meetings
• The team adopted Injury Wizard for faster reporting and fewer claim complications
• EG helped leadership track trends and prevent claims before they happened
• EG partnered with their broker to help them secure better insurance terms

This wasn’t another binder of policies — it was real, on-the-ground support that freed up leadership while making job sites safer.

The Results – Measurable Impact 

The change was undeniable:

✅ X-Mod dropped from 1.35 to 1.05
✅ Annual savings of $78,000 on premiums
✅ Zero litigated claims due to faster response and smarter return-to-work
✅ Supervisors led safety meetings consistently — not just when told
✅ Better prequal packages helped win higher-value contracts
✅ Leadership had fewer fires to fight — and more time to lead

“It wasn’t just about compliance anymore — it became a business advantage.”

The Takeaway – What Every Executive Should Ask

Is your safety program a strategic asset — or a silent liability?

This firm waited too long. You don’t have to.

If your safety costs are rising, your X-Mod is creeping up, or your teams lack safety structure — now is the time to act.

EGSafety gives you the tools, structure, and support to take back control — before the next claim costs you more than it should.

📅 [Schedule a 20-minute discovery call with Employer’s Guardian]

Let’s talk about your goals — and what’s standing in the way.